{"id":17254,"date":"2024-07-23T13:42:56","date_gmt":"2024-07-23T17:42:56","guid":{"rendered":"https:\/\/www.teacherlists.com\/blog\/?p=17254"},"modified":"2024-07-23T14:06:51","modified_gmt":"2024-07-23T18:06:51","slug":"why-your-pto-group-needs-insurance","status":"publish","type":"post","link":"https:\/\/www.teacherlists.com\/blog\/why-your-pto-group-needs-insurance\/","title":{"rendered":"Why Your PTO and PTA Groups Need Insurance"},"content":{"rendered":"<p>[vc_row][vc_column][vc_column_text]<span data-contrast=\"auto\">PTO and PTA groups are an essential part of school community. With their help, events run smoothly, students stay safe, and schools meet their fundraising goals. Did you know most school PTO and PTA groups, as independent organizations, are not covered by the district or school insurance? If they are, the policy may not cover events after school hours or off school property. It is crucial to ensure your district\u2019s parent groups are covered, and for them to get insurance if they\u2019re not!<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Unfortunately, despite even the tightest safeguards, students can still get hurt and property can be damaged. While parent groups are volunteers, they can still be held responsible in an incident. As such, insurance is a must.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<h4><b><span data-contrast=\"auto\">Yes, Your PTO and PTA Groups Need Insurance.<\/span><\/b><span data-ccp-props=\"{}\">\u00a0<\/span><\/h4>\n<p><span data-ccp-props=\"{}\">\u00a0<\/span><span data-contrast=\"auto\">There\u2019s no telling what can happen at school events. Safety concerns and property damage are not the only potential threats to your parent groups\u2013volunteers can be victims of embezzlement, theft, and mismanagement claims that could be deterred and protected by insurance.\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{}\">\u00a0<\/span><b><span data-contrast=\"auto\">What Kind of Insurance Should They Have?<\/span><\/b><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">As you can imagine, there\u2019s a lot to consider when choosing PTO and PTA insurance, and it\u2019s difficult to determine just what your needs are. <\/span><a href=\"https:\/\/www.ptotoday.com\/insurance\"><span data-contrast=\"none\">PTO Today\u2019s Insurance Packages<\/span><\/a><span data-contrast=\"auto\"> are specifically designed to cover volunteers who spend their time and energy ensuring your district\u2019s events are successful. With the unique role these volunteers play in mind, here\u2019s what PTO Today Insurance will cover:<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"auto\">General liability:<\/span><\/b><span data-contrast=\"auto\">\u202fThis covers common school events like ice cream socials and auctions, and includes coverage in the event of third-party bodily injury or property damage claims. This means you\u2019re protected if someone were to be unintentionally harmed at an event (ex. tripping over a cable) and sustained a minor injury.\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">(Plus, many venues won\u2019t allow your group to use their space if you aren\u2019t insured!)<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"auto\">Excess accident medical:<\/span><\/b><span data-contrast=\"auto\">\u202f<\/span><span data-contrast=\"none\">Excess accident medical coverage helps pay for out-of-pocket medical expenses incurred by a participant due to an accident at a sponsored activity or covered event.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"auto\">Directors and officers:<\/span><\/b><span data-contrast=\"auto\">\u202fThis policy is truly an investment in the leaders of your group. It covers claims directed at an organization\u2019s individual officers\/board members resulting from decisions made on your group\u2019s behalf.\u00a0 <\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"auto\">Crime insurance:<\/span><\/b><span data-contrast=\"auto\"> This protects your group from embezzlement, theft, or loss of funds.\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"auto\">Property insurance:<\/span><\/b><span data-contrast=\"auto\">\u202fThis protects property owned by the parent group, such as a cotton candy machine, fundraising merchandise, and computers, against damage or loss from theft or natural disaster.\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<h4><b><span data-contrast=\"auto\">Ease Your Mind<\/span><\/b><span data-ccp-props=\"{}\">\u00a0<\/span><\/h4>\n<p><span data-contrast=\"auto\">PTO Today\u2019s insurance package is effective as soon as midnight the next day. Once your payment has been processed and your application is approved, you\u2019re good to go.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Plus, there\u2019s a <\/span><a href=\"https:\/\/www.ptotoday.com\/insurance\"><span data-contrast=\"none\">variety of insurance packages to choose from<\/span><\/a><span data-contrast=\"auto\">, meaning you\u2019re in control while determining what\u2019s best for you and your PTO\/A groups.\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<h4><b><span data-contrast=\"auto\">Learn More<\/span><\/b><span data-ccp-props=\"{}\">\u00a0<\/span><\/h4>\n<p><span data-contrast=\"auto\">PTO Today is a great resource of all things PTO Insurance. You can <\/span><a href=\"https:\/\/www.ptotoday.com\/campaign\/email\/insmore\"><span data-contrast=\"none\">download their insurance brochure here<\/span><\/a><span data-contrast=\"auto\"> so you can have the best, most up-to-date information they have to offer.\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">And if you still have questions, you can reach PTO Today at <\/span><a href=\"mailto:insurance@ptotoday.com\"><span data-contrast=\"none\">insurance@ptotoday.com<\/span><\/a><span data-ccp-props=\"{}\">\u00a0<\/span>[\/vc_column_text][\/vc_column][\/vc_row]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Is your group covered?<\/p>\n","protected":false},"author":1,"featured_media":17255,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[4208,4213],"tags":[],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v19.3 (Yoast SEO v19.13) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Why Your PTO and PTA Groups Need Insurance - TeacherLists Blog<\/title>\n<meta name=\"description\" content=\"Did you know most PTO groups don&#039;t have insurance? 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